View 2012 FIAT 500 Insurance Quotes

Searching for cheaper insurance rates? Consumers have lots of choices when looking for low-cost FIAT 500 insurance. They can either spend hours calling around to get rate comparisons or save time using the internet to get rate quotes.

There are more efficient ways to compare insurance rates so you’re going to learn the proper way to quote coverages for a FIAT and locate the lowest price from both online companies and local agents.

The quickest way to compare car insurance company rates is to understand almost all companies participate in online systems to provide you with a free rate quote. The only thing you need to do is give them rating details like how much you drive, if you have a valid license, if you’re married, and how much school you completed. Your information is instantly sent to many of the top insurers and you receive quotes very quickly.

But I don’t know anything about car insurance

When choosing adequate coverage, there is no “best” method to buy coverage. Every situation is different.

Here are some questions about coverages that might point out whether you may require specific advice.

Can I afford to buy a different vehicle if my 2012 FIAT 500 is totaled?
How does medical payments coverage work?
Should I carry comprehensive and collision coverage?
Should I file a claim if it’s only slightly more than my deductible?
Can my teen drive my company car?
How do I insure my teen driver?
Am I getting all the discounts available?
I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

Insurance coverage specifics

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Auto collision coverage

Collision insurance pays for damage to your 500 resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your FIAT 500.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these coverages are set the same as your liablity limits.

Auto liability

Liability insurance provides protection from injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as loss of income, repair costs for stationary objects, court costs, medical services and bail bonds. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, hitting a deer, theft and damage from flooding. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as surgery, rehabilitation expenses and doctor visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage